Here’s what the Group Personal Accident Insurance for MOE Personnel offers.

Take a closer look at what this plan covers.

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Accidental Death Benefit: Up to $500,000
Permanent Disablement (including Second and Third Degree Burns): Up to 150% of Accidental Death Benefit (as per Schedules of Benefits in Tables 1-3)
Medical Expenses (sum of outpatient and inpatient medical expenses): Up to $13,000 incurred up to 12 months from date of accident or infectious disease
Funeral Benefit: $5,000
Temporary/Permanent Mobility Aid, Prosthesis and Other Implants: Up to $5,000
Hospitalisation Allowance (overseas and upon return to Singapore): $50 per day of hospitalisation stay (up to a maximum of 50 days)
With the following sub-limits:
  1. Outpatient expenses: Up to $2,150 with a further sub-limit of up to $400 for treatment by a traditional chinese medicine practitioner
    For outpatient and follow-up medical treatments due to an accident including but not limited to minor/day surgery at a clinic or hospital, physiotherapy at specialist outpatient clinics in restructured hospitals, physiotherapy at any centres or clinics operated by the Singapore Sports Council and ambulance fees.
  2. Inpatient expenses: Up to $10,850
    For inpatient and follow-up treatments after hospitalisation in a hospital due to an accident, including daily room and board expenses (including ICU), capped at $120 per day, in-hospital consultation and surgery expenses incurred at a hospital, and expenses for other hospital services provided by a hospital (e.g. X-rays, MRI, prescription, medical supplies, operating theatre).
  3. Reconstructive surgical expenses arising from an accident: Up to $13,000
    Reconstructive surgical expenses include medical consultation, test, surgical procedure and medical treatment before/after the surgery.
  4. Dental treatment expenses: Up to $4,000
    For outpatient, inpatient and follow-up treatments due to an accident including minor/day surgery at a clinic or relevant hospital. 
    For accidents overseas, you must seek treatment within 7 days of returning to Singapore.
  • First treatment must be sought within 30 days from date of accident.
  • TCM Practitioners must be registered with the TCM Practitioners Board & possess a valid practicing certificate.
  • Private physiotherapy treatments are not covered.
  • Act of god/convulsion of nature
  • Disappearance including disappearance resulting from an act of god or convulsion of nature. (Limit: within 365 days)
  • Comatose state benefit (50% of accidental death benefit as an additional pay out; refer to schedules of benefits in Table 4)
  • Drowning, suffocation by smoke, poisonous fumes, gas
  • Domestic and nursing assistance expenses (Limit: $1,000)  
  • Double indemnity for accidental death or permanent and total/partial disability whilst on a public conveyance or due to a natural catastrophe
  • Exposure to the elements due to an accident
  • Food poisoning
  • Hijack
  • Murder and assault
  • Motorcycling
  • Strike, riots and civil commotion
  • Terrorism including losses caused by terrorist attacks by nuclear, chemical and/or biological substances
  • Trauma counselling, psychiatric and psychological treatment for your next-of-kin, should you suffer from death or total/ partial disability from an accident (Limit: $1,000)
  • Attacks by venomous or disease transmitting insects, reptiles, amphibians, sea creatures and animals
  • Competitive Sports and Activities of Higher Risks
  • Claims arising directly or indirectly or in consequence of invasion, act of foreign enemy, hostilities, acts of terrorism, civil war, civil unrest, civil commotion, strike, riot, rebellion, revolution, insurrection, mutiny, uprising, military coup or other usurpation of power, confiscation, detention, nationalisation, requisition, martial law or state of siege or any events or causes which result in the proclamation or maintenance of martial law or state of siege
  • Heat related injuries (heat stroke and heat exhaustion)
Table 4: Comatose State Benefit Schedule
Duration of Comatose Percentage of sum assured as shown in the schedule
At least 3 months 25% of Comatose state benefit
At least 6 months 50% of Comatose state benefit
At least 9 months 75% of Comatose state benefit
At least 12 months 100% of Comatose state benefit
The plan covers MOE Personnel[1] when he or she is:
  • In his or her workplace, which can include an office building, a school, a student care centre, a kindergarten, and a KCare Centre;
  • Participating in any activity in the course of his or her employment, including Co-Curricular Activities and sports, regardless of the time at which such activities are conducted and whether the activity is conducted in the workplace or outside the workplace, be it in Singapore, or elsewhere; and
  • Commuting from (or to) his or her place of residence, including a hostel, to (or from) either his or her workplace or the place where an activity covered by the GPA insurance will be conducted, including any reasonable deviations. For the avoidance of doubt, the MOE personnel’s place of residence may include a place that is not in Singapore.

Who this is for.

You must be an MOE Personnel[1] age 69 years old and below (age last birthday) to apply for cover under this plan. This includes both contract and permanent MOE Personnel[1]. MOE Personnel[1] on casual employment[2] are excluded.

Amount you can be insured for

Choose from five plan types exclusively for MOE Personnel at preferential premium rates. Premium rates are not guaranteed and may be reviewed from time to time depending on our claims experience. Premium rates are inclusive of 9% GST.

Plan 1Plan 2Plan 3Plan 4Plan 5
Sum assured$100,000$200,000$300,000$400,000$500,000
Yearly premium rates$19.62$39.24$54.50$74.12$87.20

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